Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$367,233Cash toward the purchase price.
Closing costs + prepaids$13,515Not just lender fees.
Before credits & paid funds$380,748The complete starting cash picture.
Estimated remaining funds due at closing
$380,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,233.36
Your down payment$367,233.36
Closing costs + prepaids$13,514.89
Total buyer cash needed$380,748.24
Remaining funds due$380,748.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,019.00
Initial HOA (3 months)$99.00
Prepaid interest, first (25 days)$422.89
Fees + prepaids$13,514.89
Your down payment is the seller’s equity. You take over the $182,667 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $380,748.24 is due at closing. Uses and sources reconcile at $563,414.89 each. Not a Closing Disclosure.